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CIVISTA BANCSHARES, INC.（CIVB）与READING INTERNATIONAL INC（RDI）财务数据对比。点击上方公司名可切换其他公司
READING INTERNATIONAL INC的季度营收约是CIVISTA BANCSHARES, INC.的1.1倍（$50.3M vs $47.3M），CIVISTA BANCSHARES, INC.净利率更高（31.7% vs -5.1%，领先36.8%），过去两年CIVISTA BANCSHARES, INC.的营收复合增速更高（11.3% vs 5.6%）
Civista Bancshares Inc.是一家总部位于美国的银行控股公司，主要在中西部地区运营，面向零售客户、本地中小企业及社区群体提供个人与商业银行服务，包括存款账户、各类贷款产品及财富管理解决方案。
雷丁公司是总部位于美国费城的铁路企业，1924年起在宾夕法尼亚州东部及周边各州提供客运与货运运输服务，直至1976年被联合铁路公司收购。
CIVB vs RDI — 直观对比
营收规模更大
RDI
是对方的1.1倍
$47.3M
净利率更高
CIVB
高出36.8%
-5.1%
两年增速更快
CIVB
近两年复合增速
5.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $47.3M | $50.3M |
| 净利润 | $15.0M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -1.9% |
| 净利率 | 31.7% | -5.1% |
| 营收同比 | — | -14.2% |
| 净利润同比 | 47.4% | -14.5% |
| 每股收益（稀释后） | $0.72 | $-0.11 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收CIVBRDI
| Q1 26 | $47.3M | — | ||
| Q4 25 | $46.3M | $50.3M | ||
| Q3 25 | $44.2M | $52.2M | ||
| Q2 25 | $41.4M | $60.4M | ||
| Q1 25 | $40.6M | $40.2M | ||
| Q4 24 | $40.4M | $58.6M | ||
| Q3 24 | $39.3M | $60.1M | ||
| Q2 24 | $38.1M | $46.8M |
净利润CIVBRDI
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-2.6M | ||
| Q3 25 | $12.8M | $-4.2M | ||
| Q2 25 | $11.0M | $-2.7M | ||
| Q1 25 | $10.2M | $-4.8M | ||
| Q4 24 | — | $-2.2M | ||
| Q3 24 | $8.4M | $-7.0M | ||
| Q2 24 | $7.1M | $-12.8M |
营业利润率CIVBRDI
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -1.9% | ||
| Q3 25 | 35.4% | -0.6% | ||
| Q2 25 | 31.1% | 4.8% | ||
| Q1 25 | 29.4% | -17.2% | ||
| Q4 24 | 28.2% | 2.6% | ||
| Q3 24 | 25.2% | -0.6% | ||
| Q2 24 | 21.2% | -16.4% |
净利率CIVBRDI
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -5.1% | ||
| Q3 25 | 28.9% | -8.0% | ||
| Q2 25 | 26.6% | -4.4% | ||
| Q1 25 | 25.0% | -11.8% | ||
| Q4 24 | — | -3.8% | ||
| Q3 24 | 21.3% | -11.7% | ||
| Q2 24 | 18.5% | -27.4% |
每股收益（稀释后）CIVBRDI
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-0.11 | ||
| Q3 25 | $0.68 | $-0.18 | ||
| Q2 25 | $0.71 | $-0.12 | ||
| Q1 25 | $0.66 | $-0.21 | ||
| Q4 24 | $0.62 | $-0.11 | ||
| Q3 24 | $0.53 | $-0.31 | ||
| Q2 24 | $0.45 | $-0.57 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $10.5M |
| 总债务越低越好 | — | $185.1M |
| 股东权益账面价值 | $553.9M | $-18.2M |
| 总资产 | $4.3B | $434.9M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CIVBRDI
| Q1 26 | — | — | ||
| Q4 25 | — | $10.5M | ||
| Q3 25 | — | $8.1M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $10.1M | ||
| Q2 24 | — | $9.3M |
总债务CIVBRDI
| Q1 26 | — | — | ||
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益CIVBRDI
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $-18.2M | ||
| Q3 25 | $499.0M | $-12.1M | ||
| Q2 25 | $404.1M | $-7.7M | ||
| Q1 25 | $397.4M | $-8.1M | ||
| Q4 24 | $388.5M | $-4.4M | ||
| Q3 24 | $394.4M | $1.6M | ||
| Q2 24 | $373.8M | $6.5M |
总资产CIVBRDI
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $434.9M | ||
| Q3 25 | $4.1B | $435.2M | ||
| Q2 25 | $4.2B | $438.1M | ||
| Q1 25 | $4.1B | $441.0M | ||
| Q4 24 | $4.1B | $471.0M | ||
| Q3 24 | $4.1B | $495.7M | ||
| Q2 24 | $4.0B | $494.9M |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $4.3M |
| 自由现金流经营现金流 - 资本支出 | — | $4.1M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-2.9M |
8季度趋势，按日历期对齐
经营现金流CIVBRDI
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $4.3M | ||
| Q3 25 | $19.0M | $295.0K | ||
| Q2 25 | $11.1M | $1.6M | ||
| Q1 25 | $3.6M | $-7.7M | ||
| Q4 24 | $48.2M | $8.0M | ||
| Q3 24 | $12.9M | $1.3M | ||
| Q2 24 | $12.2M | $-10.4M |
自由现金流CIVBRDI
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $4.1M | ||
| Q3 25 | — | $-246.0K | ||
| Q2 25 | — | $1.2M | ||
| Q1 25 | $3.5M | $-8.0M | ||
| Q4 24 | $44.1M | $7.0M | ||
| Q3 24 | — | $-1.1M | ||
| Q2 24 | — | $-10.6M |
自由现金流率CIVBRDI
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 8.2% | ||
| Q3 25 | — | -0.5% | ||
| Q2 25 | — | 1.9% | ||
| Q1 25 | 8.5% | -19.8% | ||
| Q4 24 | 109.1% | 12.0% | ||
| Q3 24 | — | -1.8% | ||
| Q2 24 | — | -22.7% |
资本支出强度CIVBRDI
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 0.3% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 10.4% | 1.7% | ||
| Q3 24 | — | 4.0% | ||
| Q2 24 | — | 0.5% |
现金转化率CIVBRDI
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 0.36× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.54× | — | ||
| Q2 24 | 1.73× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
CIVB
| Net Interest Income | $37.8M | 80% |
| Noninterest Income | $9.4M | 20% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
